 let's just say a significant difference in planning is if someone's not talking to you about your taxes, and a lot of you have said, well, we've been told because we're still making high income, like we shouldn't consider Roth conversion. This is because a lot of people have tunnel vision. If you've got deductions and strategies that can offset not adding to your tax liability while you're working, then you wouldn't want to wait to convert your IRAs to Roth when the value is bigger and bigger and bigger, because then you have more to convert.